Cyber Liability Insurance

Essential insurance for freelancers and self-employed professionals. Insurance covering liability and breach response.

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Why buy Cyber Liability insurance?

For freelancers and the self-employed, who regularly travel with portable laptops and emails on their phones holding data about their customers, and even customers customers, the risk of losing that data has increased. At the same time, cyber criminals are becoming more aware of the value of this data and increasingly looking for easy targets.

At Dinghy, our Cyber Liability insurance works in two ways:
1. To extend your Professional Indemnity insurance to cover claims arising from your negligence from losing customer data, whether your own or someone else’s.
2. With a 24/7 breach response service, provided by our insurer’s Beazley, who are market leaders in reacting to data breaches.

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Why choose Dinghy Cyber Liability insurance?

We have partnered with market leader insurers Beazley to create a product that provides extensive cyber insurance, from extending your Professional Indemnity to cover liability claims for negligence plus all the costs associated with responding to the data breach. The Cyber Liability insurance claims team are available 24/7 and ready to respond on weekends to any breach. Their motto is; a data breach isn’t always a disaster. Mishandling it is. Which is why we have partnered with the best available, to make sure you are in safe hands.

What does Dinghy Cyber Liability insurance cover?

  • Liability claims arising from your negligence in losing customer data, by extending your Professional Indemnity insurance.
  • Costs involved in notifying all the individuals or companies whose data was lost or stolen.
  • Fines imposed for losing the data.
  • Monitoring costs to check individuals credit rating and identity to make sure they haven’t been stolen.
  • Call centre costs for handling customer enquiries about their lost data.
  • Expert forensic analysis following a hack to determine how your computer was hacked.

Which roles require cyber liability insurance?

There are a number of roles that will require cyber liability insurance. Particularly if you are responsible for customer data or will be in contact with customer data. Roles in particular such as freelance web developer and life coach will need cyber liability insurance.

Top professions who need PL insurance

Do I need Cyber Liability insurance?

There is no legal requirement to insure your cyber risks from a data breach. However, with European GDPR regulations and tougher fines and requirements to act and respond to a data breach, having proper cyber insurance in place will help you when you need it.

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How much does Cyber Liability insurance cost?

The price depends on the maximum number of customer records that you hold; as that would be the maximum number of notifications required in the event of a breach. We have negotiated a fixed price of up to 5,000 records, with more upon request.

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How does Cyber Liability insurance work?

Dinghy Cyber Liability insurance covers two main areas. It compensates your customers whose data has been lost if you were negligent – this is the Cyber Liability insurance – up to the same maximum level as your Professional Indemnity insurance. It also covers the breach response costs, such as notifying everyone whose data has been lost.

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What level of Cyber Liability insurance do I need?

The limit of your liability is the same as your Professional Indemnity limit – as it is an extension of your Professional Indemnity coverage. The level of cover for the breach response depends on how many customer records you hold at any one time.

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Our Products

At Dinghy we have carefully crafted our insurance products with the freelancer and self-employed lifestyle at their core. In doing so they fit perfectly with your flexible hours and changing work environments. Reflecting the modern way you do business. Stack them together, manage them easily and get yourself covered.